Nedbank doenst care for their clients!

I was retrenced and submitted a claim which was approved after a month and some of the debt was two days ago. Just now i receive a threat of summons from lawyers regarding this account. They have been phoning me to make payment arrangements even though i dont work, havent found work yet. Why dont the insurance companies explain to us how much of a dragg it will be to claim when they sell these services to us? Why doesnt nedbank explain how we will be treated when we lose our jobs when they sell these credit cards to us? Why should i feel this extra stress when i am already stressed out for not finding a job and making a living. Why should i go through this and receive these threats? Is this fair practise?